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Employee Benefit News for School, City and County Employers

Ken Zastrow

Ken Zastrow enjoys establishing a strong rapport with his clients. He believes that education is key in helping them understand their benefit plans. Ken has a strong background in both active and post-employment benefit strategies. As an Employee Benefits Consultant, Ken is responsible for the overall assessment and management of all an employer’s benefit plans including claim reconciliation, policy changes, renewals, and medical and dental analytics. He is also well versed in compliance, benefit integration, and early retiree benefits. Ken is a licensed agent and works with public sector organizations in Wisconsin.

Recent Articles by Ken Zastrow

IRS Updates Will Impact School, City and County HRA Plans in 2017

There are two changes effective January 1, 2017, for those schools, cities and counties who have an “Integrated” HRA Plan. Integrated HRAs are Health Reimbursement Arrangements tied to health...

Don't Make This Error if Early Retirees Stay on Your Health Plan

Many schools, cities and counties offer early retirees the option to continue on their group health insurance plan. They may also consider using a High Deductible Health Plan with an HSA (Health...

Could a Defined Contribution Retirement Plan Work for Your Organization?

School districts, cities and counties have historically provided some type of employer-paid health insurance benefit for early retirees – those retiring prior to age 65 – as a bridge from early...

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HRA Distributions Must Be Included in Calculating Overtime Pay

In a recent court ruling on a case involving the City of Sheboygan in Wisconsin, the judge ruled surprisingly that distributions from an HRA (Health Reimbursement Arrangement) need to be included in...

How HRAs Affect Health Insurance Premium Tax Credits for Early Retirees

Revised September 6, 2024

2 minute read

Many school, city and county employers are providing HRAs (Health Reimbursement Arrangements) to their early retirees to help them pay for eligible medical...

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Retiree Health Insurance Interview Series, Part 3: The Long-Term Transition to HRAs for School Districts and Early Retirees

Keeping early retirees on the school district’s group health plans can be expensive for the retiree, the district and consequently, current employees (overall premiums increase with retirees as...

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The Long-Term Transition to HRAs for Schools and Early Retirees

Keeping early retirees on the school district’s group health plans can be expensive for the retiree, the district and consequently, current employees (overall premiums increase with retirees as...

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ACA Impact on HRAs for Rehired Employees

The ever-changing nature of Health Care reform has left many employers with more questions than answers. One of the most significant questions facing our clients today is how their rehired retirees...

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Helpful ACA Chart on HRAs, FSAs, Cafeteria Plans, and EAPs

Groom Law Group released a memo on October 18, 2013 summarizing the September Treasury Notice regarding Health Reimbursement Arrangements (HRAs), cafeteria plans, Flexible Spending Accounts (FSAs)...

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What to do about re-hired retirees

As January 1, 2014 quickly approaches, there are many aspects of healthcare reform to consider. One of the major concerns facing employers today, especially governmental employers, is the issue of...